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All Journal Jurnal Manajemen Bisnis Jurnal Teknologi dan Manajemen Informatika Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan Media Ekonomi dan Manajemen Jurnal Akuntansi dan Perpajakan Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Studi Manajemen dan Bisnis JPM (Jurnal Pemberdayaan Masyarakat) MBR (Management and Business Review) SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS International Conferences SDGs 2030 Challenges and Solutions Jurnal Riset Inspirasi Manajemen dan Kewirausahaan Jurnal Samudra Ekonomi dan Bisnis MABIS: Manajemen dan Bisnis Journal of Entrepreneurship & Business prosiding seminar nasional JAPI: Jurnal Akses Pengabdian Indonesia Business Management Research Epaper Bisnis: International Journal Entrepreneurship and Management Journal of Scientific Insights Innovation Business Management and Accounting Journal
Umu Khouroh
Fakultas Ekonomi Dan Bisnis, Universitas Merdeka Malang
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Nursing Public Health Social Sciences Other

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When Financial Literacy is Not Enough: Assessing the Mediating Roles of Self-Efficacy and Behavior on Financial Well-being in Malang City Hendra Suharjana; Umu Khouroh; Harmono Harmono
Innovation Business Management and Accounting Journal Vol. 5 No. 1 (2026): January - March
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.v5i1.341

Abstract

This study investigates the determinants of financial well-being among the residents of Malang City, specifically examining the mediating roles of financial self-efficacy and financial behavior. Using an explanatory research design with a quantitative approach, data were collected via structured questionnaires from 150 respondents across three generational cohorts (X, Y, and Z). The data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results reveal that while financial literacy significantly strengthens both financial self-efficacy and financial behavior, it does not exert a direct impact on financial well-being. Notably, financial behavior also failed to act as a significant mediator in this relationship. Instead, financial self-efficacy emerged as a potent full mediator and the most critical predictor of financial welfare. These findings suggest that in a dynamic urban economy, technical knowledge and routine habits are insufficient without the psychological confidence to manage personal finances. To achieve holistic financial well-being, policymakers should shift from basic literacy programs to psychological empowerment initiatives that build inner conviction and mental resilience. This research highlights that the "psychological bridge" is far more essential than the "behavioral bridge" in translating knowledge into a secure financial future.
Strengthening Accountability of Village Officers: The Effect of Competency, Commitment, and Community Participation Sri Wahyuningsih; Mokhamad Natsir; Umu Khouroh
Innovation Business Management and Accounting Journal Vol. 5 No. 1 (2026): January - March
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.v5i1.357

Abstract

This study explores the factors that influence how transparently and responsibly village officials manage their duties, particularly in handling village fund allocations. As these officials hold significant responsibility for public resources, ensuring accountability is essential for effective local governance. The research focuses on three key areas: the professional skills of the staff, their loyalty to the organization, and the level of involvement from the local community. Data analysis was carried out using the Multiple Linear Regression Analysis method to test the influence of independent variables on the dependent variable both partially and simultaneously The findings reveal that the professional competence and expertise of village officials are the most critical factors in ensuring high-quality public service and reliable management. When officials possess the necessary knowledge and technical abilities, the overall standards of accountability improve significantly. Interestingly, the study found that internal commitment to the office and social oversight from residents do not yet play a major role in driving these standards at the local level. These results suggest that to achieve more professional and trustworthy village administration, the primary focus should be on enhancing the practical training and human resource development of the officials. By prioritizing skill-building, local governments can ensure that public funds are managed more effectively for the benefit of the community. Data analysis was carried out using the Multiple Linear Regression Analysis method to test the influence of independent variables on the dependent variable both partially and simultaneously.
Co-Authors Abdul Waris Abdul Waris Al-Asjim, Rafiq Firdaus Alvianna, Stella Andi Nu Graha Andini Risfandini Angelia, Monica Aristanto, Eko Bayu Rahayudi Bayu Rahayudi Begum, Farhana Bernadeta Dian Saputri Christina Sri Ratnaningsih Christina Sri Ratnaningsih Dea Mutiara Otoxsusilo Dhia Zharfaningrum Edi Subiyantoro Fajar Supanto Fatima Abdullah Fatmasari Endayani Febriana, Melati Francisca Triyana Resti Prastiwi Hendra Suharjana Herdiyanti, Indyah Ike Kusdyah Rachmawati Irany Whindyastiti Irany Widhiyastiti Irany Windhyastiti Ishma Ulfasari K, Aditya Budi Kiswanti, Hanny Mahasih Krisnawuri Handayani Kusuma, I Gede Wahyu Artha Lelly Hana Setyanti, Sri Wahyu Lilik Kustiani Marvellianto, Theofilus Christ Maya Mega Puspita Mokhamad Natsir musnaini musnaini Natsir, Mokhamad Ningsih, Tasya Aprilia Panji Arik Indraswara Patalo, Ryan Gerry Prastyawan, Ayub Purnama, Maria Goreti Puspaari, Ernita Dian Ratnaningsih, Christina Sri Rian Surachmad Rindang Nirmala Trisnaningsih Sari Wenni Nurindah Sari Yuniarti Shiddiqi , Dzikri Ash Sri Wahyuningsih Sumarsono, Tanto Gatot Syarif Hidayatullah Syarif Hidayatullah Tanto Gatot Sumarsono Terdpaopong, Kanitsorn Wahyu Artha Kusuma, I Gede Wijaya, Lientang Wilujeng, Gandis Yuntawati Fristin, Yuntawati